Mortgages for bad credit rating

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.40%Reverts to 3.99% after 2 years


Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Mortgages for Bad Credit Rating


Our bad credit mortgage service helps you to get back on track. If you’ve had unfavourable credit circumstances more than 12 months prior to applying for a mortgage, then our team can help. If your credit score was originally damaged by a one-off event, contact our mortgage team on 0117332 6061 (8.30am to 6.30pm Monday to Friday) or fill in our short enquiry form»

Adverse Credit Mortgage Service
ProviderLTV**CCJsDefaultsBankruptcyIVAMissed Loan Payments* 
Up to 75%None in 12 Months - Maximum 5None in 12 MonthsDischarged 12 Months AgoSatisfactorily Conducted 12 Months AgoNone in 12 MonthsMore Info >

Call 0117 332 6063

Our View:

"Credit repair mortgage service to help you get back to a high street mortgage deal - If you have suffered a one off event such as divorce, redundancy, serious illness which has resulted in a "bad" credit entry on your credit file over 12 months ago this service will help you get back on track".

Representative Example:


A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

How can I maximise my chances of getting a mortgage for a bad credit rating?

Although it can make life more difficult, it is still very possible to get a mortgage for bad credit rating. There are still mortgage lenders who focus on offering mortgage deals for those with poor credit records. We offer an expert bad credit mortgage service that will help you locate a mortgage specialist who is focussed on helping individuals with a poor record.


With many mortgage offers available for people with a history of bad credit rating, we would suggest that you consult a poor credit mortgage adviser to guarantee you get the right arrangement for your circumstances.Before you approach a mortgage adviser it makes sense to consider the following points. Firstly, be clear about what you are searching for when it comes to mortgages for bad credit rating. Would you be keen to opt for the reassurance of a fixed rate, or would you prefer the flexibility of a tracker rate? You will also need to consider the nature of your bad credit rating. Is your poor credit record due to a one-off event such as redundancy or other unavoidable life circumstances? Or is it due to a variety of unpaid debts and credit card bills? Mortgage lenders will also be interested in the timeframe of your bad credit rating – is it a long time in the past, or more recent?


Our remortgage service lets you check the cost of repayments under different interest rates and mortgage loan types. We offer an independent and whole of market mortgage advisory service. Our mortgage team are committed to helping you find a mortgage solution if you have adverse credit due to a one off event which is now behind you. Our mortgage team are committed to helping you find a mortgage solution if you have adverse credit due to a one off event which is now behind you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker